Interest rates & charges
No hidden line items. Below are indicative interest rate ranges and the standard fees that can apply to a Dhanvarsha Capital personal loan, by loan type.
Before you rely on these numbers: every rate and fee below is an indicative range for illustration and planning only — not a confirmed offer or a rate you are pre-approved for. Your actual interest rate, tenure and fees are fixed only after document verification and credit assessment, and will be shown in full in your official Key Fact Statement (KFS) before you accept anything.
Rate snapshot
All rates are annual, on a reducing balance basis. Your final rate depends on your credit profile, income and existing obligations.
*Rates shown are indicative ranges as of the date this page was last reviewed and are subject to change. See the full breakdown for each loan type, including eligibility and fees, on the loan products page, or get a personalised estimate with the EMI calculator.
Beyond the interest rate
These apply across loan types unless a specific loan's terms say otherwise — always confirmed in your Key Fact Statement before you accept.
There is no fee to browse this website, use the EMI calculator, run the basic eligibility check, or submit an application. Any processing fee is disclosed upfront in your Key Fact Statement and deducted from the loan amount — it is never collected as a separate advance payment. If anyone asks you to pay first to "unlock" or "guarantee" a loan, treat it as a red flag — see our RBI Guidelines & Grievance Redressal page.
Reading the fine print
Two loans with the same headline interest rate can cost differently once fees are included.
Always compare the APR, not just the headline interest rate, when weighing loan offers from different lenders — a lower interest rate with a high processing fee can sometimes cost more overall than a slightly higher rate with lower fees.
FAQs
Your exact rate depends on factors like your credit score, income, existing obligations and the specific loan type — so it can only be confirmed after your application is assessed. The ranges above show what past applicants have typically been offered for each loan type.
No processing fee is charged unless your loan is approved and disbursed — it's deducted from the disbursed amount, not collected upfront, so there's nothing to refund if an application doesn't go through.
The final rate is based on standard credit assessment criteria rather than negotiation. A stronger credit score, stable income and a lower existing-debt ratio generally support a rate closer to the lower end of the range.
It depends on the loan type and how far into the tenure you are — most loan types carry nil foreclosure charges after an initial lock-in period. Check the specific loan type on the loan products page, or confirm the exact figure in your Key Fact Statement.
In your Key Fact Statement (KFS), issued after your application is approved. It's a standardised, RBI-mandated format that discloses the exact interest rate, APR, all fees and the total cost of the loan — read it fully before you e-sign.